Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$22,822Cash toward the purchase price.
Closing costs + prepaids$10,325Not just lender fees.
Before credits & paid funds$33,147The complete starting cash picture.
Estimated remaining funds due at closing
$33,147No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$22,821.75
Your down payment$22,821.75
Closing costs + prepaids$10,325.34
Total buyer cash needed$33,147.09
Remaining funds due$33,147.09
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$763.00
Credit report$200.00
Tax service$80.00
UMe assumption specialist (1%)$2,450.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,110.89
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$246.25
Prepaid interest, first (30 days)$1,300.20
Fees + prepaids$10,325.34
Your down payment is the seller’s equity. You take over the $222,178 balance, so the rest of the $245,000 price is paid at closing. A second mortgage can cover part of it. $33,147.09 is due at closing. Uses and sources reconcile at $255,325.34 each. Not a Closing Disclosure.